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Buyer Incentives

Home Ownership has been an American priority since the days of the first homestead. Following the second world war, a succession of Federal Administrations have offered a variety of programs to bring home ownership within the grasp of millions of Americans. Today both the Federal Government and State Governments offer a wide variety of programs to assist both First-Time Buyers, and in some cases Repeat-Buyers, realize that all American Dream - to own your small piece of our American Paradise!

Georgia Programs

Georgia Dream Homeownership Program

Georgia Dream Homeowners The Georgia Dream Homeownership Program is geared towards low-to-moderate income families and individuals by offering fixed, low-interest rate mortgages. The Georgia Dream Homeownership Program also offers down payment and closing costs assistance to eligible borrowers, which can greatly reduce the cash required from a buyer at closing.

To qualify for the Georgia Dream Homeownership Program you must be a first time homebuyer or not have owned a home in the past three years, or purchase a home in a targeted area. For a list of targeted areas and more information on this program, download the GA Dream Brochure here.

There are also household income limits which apply, and applicants must meet the flexible credit underwriting criteria for the loan program they have selected. A home purchased under this program must be the borrower's primary residence, located in Georgia and the applicant must be a Georgia resident.

Applicants under this program can enjoy two primary benefits from the program. These are 'First Mortgage Loan Financing' and 'Down Payment and Closing Cost Financing'.

First Mortgage Loan Financing

Georgia Dream's First Mortgage provides low-interest rate mortgages. The loans are 30 year fixed rate mortgages with interest rates that are usually lower than existing market rates. Loans are originated under FHA, VA, conventional or USDA/Rural Development guidelines. Homes purchased under the program cannot exceed maximum sales price limits. Application for these loans is made through a network of participating lenders across the state. Click here for a list of these lenders.

Down Payment and Closing Cost Financing

The Georgia Dream Second Mortgage helps to defray the cost of down payment, closing costs, and prepaid escrow expenses associated with purchasing a home. Borrowers must contribute a minimum of $500 of their own funds to the purchase transaction and generally must have qualified for the Georgia Dream's First Mortgage loan specified above. Applicants for the Georgia Dream Second Mortgage must also attend a mandatory homebuyer education to learn more about buying and owning a home.

Georgia Dream's Second Mortgage provides 0% interest rate loans with delayed repayment. Delayed repayment means that the loan is repaid when the home is sold, transferred or re-financed or if the home is no longer the borrower's primary residence. The Second Mortgage Loan Amount ranges between $5,000 to $10,000 depending on the following criteria:

  • $5,000 - Standard Program Amount. Download Brochure
  • $7,500 - 'PEN' Program. Protectors, Educators and Health Care Workers. Protectors are defined as any member of the Military including the Army and Air National Guards, members of a Police Department including Prison Services, and Fire Department members including volunteer firefighters. Educators are defined as school board members, members of recognized or accredited private school systems and practising state certified teachers. Download Brochure
  • $7,500 - 'EV' Program. Efficient or Visitable Properties. For the purchase of an Energy Effecient or Handicapped Accessable Home. These are homes certified as meeting the requirements of the Earthcraft homes™, ENERGY STAR®Homes or EasyLiving Home™ organizations. Download Brochure
  • $7,500 to $10,000 - 'Choice' Program. This applies to households with individuals who are living with a disability. To qualify under this option, the additional criteria need to be met relating to the disability. Please read the downloadable brochure for further details. Download Brochure
  • $10,000 - Military 'Welcome Home' Program. Avaialble to members of Georgia’s Army and Air National returning from deployment outside the USA as part of the global war on terrorism. Download Brochure
  • $10,000 - 'Honors Surviving Spouse' Program. Avaialble to surviving spouse of a military serviceman or servicewoman or of a “Protector”, who was killed while on active duty or in the line of duty. Download Brochure

These Dream Second Mortgage Loan Amounts are mutually exclusive (i.e. only one per applicant can be claimed).

For more information on the Georgia Dream Homeownership Program, click here

Buy A Georgia HUD Home With Only $100 Down!

This information is NOT tax, legal or lending advise and should not be relied upon as such. It is provided for general information purposes only and clients and customers should always seek the advise of a qualified tax, legal or lending professional or other qualified expert.     Useful Links

Disclaimers & Notices. All commissions are negotiable and are not prescribed by law. We offer various different Listing Plans. Restrictions and Conditions may apply to Plans and Program. If you already have Broker Representation, then this is not a solicitation. All information deemed accurate, but not guaranteed. Equal Housing Opportunity Corporation. All rights reserved Markcorp Worldwide Inc. Licensed Real Estate Broker, Georgia. 2011 ©. Enquiries call T/Free: 1-866-629-8463.